KEEPING YOUR BUSINESS MOVING.

Transcription

1 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION KEEPING YOUR BUSINESS MOVING. Manage your company s absence with our group income protection cover. Our focus on early intervention and funding treatment when appropriate means it s more than an insurance policy and can help towards your employees returning to work sooner. START

2 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION 2 WHAT IS GROUP INCOME PROTECTION? Group income protection aims to provide employees with a regular income if they cannot work because of a long-term sickness absence. We go further and, where appropriate, will also arrange and fund rehabilitation to help employees return to work as quickly and effectively as possible. Benefits to you as an employer. Reduced absence costs. Funded rehabilitation support for your absent employees. Employees can return to work quicker, reducing the length of absence. Collaborative absence processes and management information. Enhances your benefits package to help attract and retain employees. Benefits to your employees. Financial support for absent employees. Fast track funded rehabilitation treatment such as physiotherapy and psychological treatment. Rehabilitation Support throughout absence including support with return to work. Access to Employee Assistance Programme including up to five free face to face counselling sessions.

3 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION 3 HOW DOES IT WORK? We can pay up to 80% of your employee s earnings until they re able to return to work, or for a fixed term. The payments begin after the deferred period, typically 26 weeks. WHAT MAKES LEGAL & GENERAL DIFFERENT? Through our rehabilitation expertise and experience in the group income protection market we know that early intervention in absences can significantly reduce the average duration. For this reason, our group income protection policy can provide valuable rehabilitation services aimed at facilitating a fast and appropriate return to work, and proactive support to help prevent a relapse. This means that with us, your group income protection scheme is also helping you to have proactive plans in place to manage long-term absences. 76.3% of notifications were able to return to work before the end of the deferred period. (2013) For details of what we can and can t cover and how we assess claims, please refer to our group income protection technical guide.

4 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION 4 WHAT ARE THE BIGGEST CAUSES OF ABSENCE? We know from our own claims experience that mental health, musculoskeletal conditions and cancer are the main causes of absence. We ve created a specialist approach to the management of these conditions through our centre of excellence. WHAT IS THE CENTRE OF EXCELLENCE? Our centre of excellence provides treatment for the management of claims arising from mental health and musculoskeletal disorders. Each claim is treated and managed individually; the basic principles and processes are consistent in order to help make sure, where appropriate, your employees are returned to work with full support. Mental health Mental health problems range from the worries we all experience as part of everyday life to serious long-term conditions. Anxiety and depression are the most common problems. Severe mental illness can include bipolar or schizophrenia. Mental ill health is one of the main causes of mid and long-term absence for UK employers. Our approach is vital in helping to ensure effective interventions are available from the earliest opportunity. We can fast-track employees into treatment with minimum delay. We have an exclusive partnership with a third-party provider, who offers a wide range of psychological therapies. The treatment provided doesn t just focus on symptom reduction, it will also consider any workplace factors to identity a successful outcome to the workplace. Each employee is allocated both a therapist and a care coordinator, whose role is to work alongside the therapist, member and employer during their treatment, return to work and relapse prevention plans. Musculoskeletal disorders We recognise the importance of understanding the capabilities of an individual. When appropriate, we fund physiotherapy with a clear focus on a return to work. We will keep you and your employee informed with progress and plans for further sessions. 78.9% of the employees, who suffered from a musculoskeletal condition that we received a notification for, were able to return to work before the end of the deferred period. (2013) Cancer Medical evidence shows the number of patients surviving following a diagnosis of cancer has risen due to advances in early detection and treatment. Advice networks often provide sufficient support for employees with cancer during the early stages of diagnosis and treatment. To complement this, our rehabilitation team will engage with you and your employee at an appropriate time to help them return back to work. 31.7% of the employees, who suffered from cancer that we received a notification for, were able to return to work before the end of the deferred period. (2013) 79.4% of the employees, who suffered a mental health condition that we received a notification for, were able to return to work before the end of the deferred period. (2013)

5 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION 5 OUR STEP-BY-STEP SUPPORT Notify us early Where absence is due to a mental health condition, musculoskeletal condition or cancer we need to be informed of all employees we re covering, who are continuously absent for four weeks or more, by the sixth week of absence. For all other absences we need to be informed of all employees we re covering, who are continuously absent for eight weeks or more, by the tenth week of absence. Cash back opportunity for eligible employers who have our group income protection policy, that covers 250 employees or more. The sooner we know someone is ill, the sooner we can assess and deliver rehabilitation support. We reward employers for telling us quickly when someone is ill, and have paid out over 3.5 million in early notification bonuses since the scheme was introduced in Consent and member information We ll send your employee a member statement to complete. Rehabilitation support After assessing the information we receive, if appropriate we ll refer employees to our rehabilitation experts for treatment and support to help them return to work. RETURN TO WORK SUPPORT We can provide you and your employees with support when they re returning to work after a long period of sickness. This proactive support is designed to prevent a relapse. We can help you by: Advising and monitoring return to work plans. Carrying out workplace assessments. Paying a reduced benefit if your employee returns on a part-time basis, which will help them until they receive their full salary

6 WORKPLACE BENEFITS: PROTECTION GROUP INCOME PROTECTION 6 ADDING VALUE AT NO EXTRA COST Worklife Solutions is our collection of additional services that can assist employees in everyday matters. EMPLOYEE ASSISTANCE PROGRAMME (EAP) EAP is part of our Worklife Solutions service. This is designed to be the first stop for employees wanting help and advice on issues such as mental health, medical, legal, bereavement and debt management. Our EAP includes telephone counselling, and can provide up to five face-to-face counselling sessions when appropriate. STRESS TOOLKIT An interactive tool providing managers with training, advice and information about how to identify and act upon the signs of stress in the workplace. Username: stress Password: toolkit CONTACT US We may record and monitor calls. Call charges will vary. Legal & General Assurance Society Limited. Registered in England and Wales No Registered office: One Coleman Street, London EC2R 5AA Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. GET A QUOTE ONLINE Get instant quotes for group income protection for companies insuring between 10 and 500 employees with our Group Protection calculator. The calculator also provides a link for a full quotation through our group protection online quote and buy system to help employers insure between 10 and 250 employees. W /15 S182660